This Sunday is the annual mother's day, western due to the earthquake, "4 · 20" forth mall sales are relatively low-key this year. But at this time of year, many people will still choose to give mom send you a bouquet of carnations, a good clothes, cosmetics box, or a table. These are temporary, however, to concern for "mothers," some more for a long time, might as well make an insurance plan for them, give them enough security, let the love continue for a long time.

Young mother healthy pension is more important

These days, Mr Yao soup pleased bad, his wife just gave birth to a baby for him. Mother's day is coming, fatherhood, he is wondering in his wife's first mother's day, give her a special gift, also bought insurance.

Insurance experts say, according to the scientific reasoning, due to bear the multiple pressure in work and life, more than 70% of the married women have different degrees of gynecopathy, and women have much higher chance of men. They should choose gynecologic disease insurance, major disease insurance, endowment insurance, term life insurance.

At the same time, can also be combined with the other half of the economy, from the family health, children, education and retirement three aspects into account, a reasonable choice of insurance. In general, priority should be given to medical, accident and other security products; Then consider pension and investment products.

In addition, the best premium of married women and family planning together, if families choose insurance products has covered the whole family can enjoy the medical care, can be appropriate to change focus. Family in insurance premiums shall be accounted for around 10% of household income, can't is beyond too much, nor too little.

Middle-aged mother should be heavy disease risks

When my mother age stage, most of the children has independently or upcoming financially independent. Mother is at this stage don't have to raising a child running family and produce large overhead. While the children need to care about mothers future pension and health care. Female people after middle age, health condition will be worse and worse, and fall, sprain, etc. Personal accident may happen. Experts suggested that, in this age of the mother, casualty belongs to one kind of will insurance, also can cover the risk of serious illness and hospitalization medical insurance.

"Some elderly mother especially, should be heavy disease risks as early as possible, otherwise may be rejected." Financial experts remind people pay attention to, because it is a high disease, has been suffering from certain diseases of the elderly may have been insurance from insurance, such as diabetes can not well covered, even if the insurance company agreed to insure, higher insurance premiums are also likely to increase. Therefore, children should take advantage of the parents in tolerable health situation, as soon as possible to buy heavy disease risks.

At the same time, if the mother is professionals, in the family economic income to the top, "half the sky" is the main source of family income, even so, buy insurance, of course, want to consider higher amount of life insurance and accident risk, to ensure the family's economic responsibility to perform. At this time, can choose and buy has combined with the female life insurance function, comparison, comprehensive coverage.

In addition, considering going into retirement period in the future, in order to have a decent old age, middle-aged mother should be considered in advance on the basis of the basic guarantee appropriate purchase some dividends, investment risks, encounter.

If mother is "full-time", should focus on class health care coverage, you can choose and buy some insurance safeguard function strong women, need not consider too much insurance of share out bonus, investment function.

Elderly mother care coverage limits

Mother entered the age, children have grown up, oneself also have retired at home, of course, many parents brought their children to baby again. Insurance for older mother, therefore, first consider supplementary health insurance, choose whole life (to avoid the tax), insurance coverage, etc.

Insurance experts say, a lot of older mothers often for elderly and accident situation such as a fracture, fall, purchase some with their children because they are specifically fracture security accident insurance. The insurance covers the cost due to fracture accidents such as hospitalization expenses.

According to reporter understanding, at present some insurance companies have launched the "long term care insurance", is actually to financial support, please a nanny to a patient.

The long-term care insurance is different from the accident, medical coverage, characteristic is obvious, caused by accidental injury, diseases such as alzheimer's, cannot provide for oneself can get compensation. In general, the judgment standard of dress, from several aspects, such as bathing, eating, toilet general insurance company which is not more than two or three standard, the insurance company will pay out.